Engagement rings are often very valuable objects, but whether yours is recent or you’ve had it for many years, it might not be covered by your home insurance…. Again, it could mean that it’s worth more than you’re allowed to claim back from your insurer. Dec 3, 2013
What is and isn’t covered by homeowner’s insurance?
Homeowner’s insurance typically covers a broad range of possible damages. Your actual dwelling should be covered, as well as some other structures on the property, like a garage, fence, driveway or shed. However, if you run a business on your property in a separate structure, this is generally not covered by homeowner’s insurance.